I would rather have the 10k, maybe short sighted but still my preference. No degree but I'm making over 30K a year right now with a business I just started on the side. The money potential with that alone is easily double my current job. If it weren't for these m f'in bills (car, cards, etc.) I'd be doing fantastic. Guess I'll have to wait a couple more years till they are paid off or someone in my family dies.